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Lending Partners

Alaska Housing Finance Corp (AHFC).  - affordable loans, weatherization programs and more for Alaskan residents.

HomeChoice Classes - homebuyer education through AHFC

Fannie Mae - government-sponsored mortgage loan investment company

Interior Regional Housing Authority - serves Interior villages through the Dept. of Housing and Urban Development.

Start Our Fully Online Application 

Local Service. Local Results. 

Feel the Spirit of Alaska Federal Credit Union difference in your next mortgage loan. We take a personal look at possible lending options you can explore to make owning a home real for your family.

Meet our Mortgage Team 

How do I get started? 

1) We offer an online application for our mortgage loans to get you started quickly. You can also call 907-459-5974 and setup an appointment with a loan officer.

2) After we receive an application, whether online or in a branch, our loan officers expertly guide you through choosing and getting the loan that will meet your specific situation, and the type of home you are looking to purchase.

What Home Loans Do You Offer?

Spirit of Alaska offers a wide range of home loan programs; for some programs we are the only lender in the Fairbanks area.

  • Conventional, VA & FHA loans
  • New Construction and Major Renovation, owner-builder's accepted.
  • Home Equity Line of Credit
  • FHA Title 1 Home Improvement
  • Home Refinance
  • Land Loans

Additional Program Options we can offer as an approved lender or partner:

  • Alaska Housing Finance Corporation loans, including 1st Time Home Buyer and Interest Rate Reductions for low income borrower(s).
  • Interior Regional Housing Authority
  • Fairbanks Neighborhood Housing
  • Energy rate reductions, existing or proposed
  • Federal Home Loan Bank Home$tart & Home$tart Plus grants

Call us for a Rate Quote at 907-459-5974

Still have Questions?

Our mortgage loan department is available Monday - Friday, 10:00am - 6:00pm.

Direct Line: 907-459-5974

Email: homeloans@spiritofak.com

Main Office: Spirit of Alaska Federal Credit Union
1417 Gillam Way
Fairbanks, Alaska  99701


 Spirit of Alaska’s Mortgage Department does not publish our home loan program rates online. Please call 907-459-5974 during business hours listed above for a rate quote. Spirit of Alaska Federal Credit Union does not discriminate based on race, color, religion, national origin, sex, disability or familial status.

All mortgage programs listed may be subject to change without notice, and are offered on approved credit. All offers of credit + conditions required will be issued in writing upon approval.


Spirit of Alaska Federal Credit Union - NMLS#: 402231 NMLS #477932
1417 Gillam Way, Fairbanks, AK  99701
Office:  (907) 459-5974
Copyright © 2020 Spirit of Alaska Federal Credit Union
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